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Exceptions. We may let you withdraw money from your Account before the Maturity Date without an early withdrawal penalty: (1) <br /> when one or more of you dies or is determined legally incompetent by a court or other administrative body of competent jurisdiction; or (2) <br /> when the Account is an Individual Retirement Account (IRA) established in accordance with 26 USC 408 and the money is paid within seven <br /> (7) days after the Account is opened; or (3) when the Account is a Keogh Plan (Keogh), if you forfeit at least the interest earned on the <br /> withdrawn funds; or (4) if the Account is an IRA or a Keogh Plan established pursuant to 26 USC 408 or 26 USC 401, when you reach age <br /> 59 1/2 or become disabled; or(5) within an applicable grace period (if any). <br /> RIGHT OF SETOFF. Subject to applicable law, we may exercise our right of setoff or security interest against any and all of your Accounts <br /> (except IRA, HSA, Keogh plan and Trust Accounts) without notice, for any liability or debt of any of you, whether joint or individual, whether <br /> direct or contingent, whether now or hereafter existing, and whether arising from overdrafts, endorsements, guarantees, loans, attachments, <br /> garnishments, levies, attorneys' fees, or other obligations. If the Account is a joint or multiple-party account, each joint or multiple-party <br /> account holder authorizes us to exercise our right of setoff against any and all Accounts of each Account Holder. <br /> OTHER ACCOUNT RULES. The following rules also apply to the Account. <br /> Surrender of Instrument. We may require you to endorse and surrender this Agreement to us when you withdraw funds, transfer or <br /> close your Account. If you lose this Agreement, you agree to sign any affidavit of lost instrument, or other Agreement we may require, and <br /> agree to hold us harmless from liability, prior to our honoring your withdrawal or request. <br /> Death of Account Holder. Each Account Holder agrees to notify us immediately upon the death of any other Account Holder. You agree <br /> that we may hold the funds in your Account until we have received all required documentation and instructions. <br /> Indemnity. If you ask us to follow instructions that we believe might expose us to any claim, liability or damages, we may refuse to <br /> follow your instructions or may require a bond or other protection, including your agreement to indemnify us. <br /> Pledge. You agree not to pledge your Account without our prior consent. You may not withdraw funds from your Account until all <br /> obligations secured by your Account are satisfied. <br /> SURRENDER OF TIME DEPOSIT <br /> CD# 301 6141/P / l <br /> This certificate is hereby surrendered. Date: <br /> Number of Signers Required: Any one (1) of the Authorized Signers(s) shown below. <br /> ACCOUNT HOLDER: <br /> COTTONWO D LCAN SSIGNED TO STATE OF CO/MLRB PUBLIC FUNDS ACCOUNT #010004005101 <br /> By: <br /> esignated Agent of Shits of C likWado <br /> COTTONWOOD LAND AND FARMS LLC ASSIGNED Deparh'118nt of NO MaI Rea MOS <br /> TO STATE OF CO/MLRB PUBLIC FUNDS ACCOUNT <br /> #010004005101 Division of Redamabon, Mining and Safety <br /> Vt2 J p�aEc-TorL RELEASED ON: <br /> 'i l 3 vI <br /> By: ` <br /> State of Colorado, Division of Reclamation,Mining and Safety <br /> VIRGINIA BRANNON <br /> Division Director <br /> DEPOSIT PRO,Vm 12 4.10.003 C,W.Mr d F-40 Soh,aon,,In..ION,2013 Al RIgh.R­ CO-CO-L760 TR-2620 <br /> Page 2 of 2 <br /> Customer Copy <br />